Finding a Local Insurance Agent in Alabama is not easy. With the number of Insurance companies and agents that are in Alabama today it is almost impossible to choose the right company with just one call. My BizHound is here to help with your dilemma. With the number of agents in our growing online Local Insurance directory it gives you the chance to take your time to Search for an insurance agent near you, and not be bound by a contract by an agent before considering your options first. The Local Insurance Agents in the Alabama Directory, can provide you with an online quote so you can compare Insurance companies before making a decision.

If you’re looking for Auto Insurance, Homeowners Insurance General Insurance to even Life insurance in Alabama My BizHound is here to help!

Below you will find our Five Star Agents in Alabama to help you on your way with any questions and concerns. Click their “Agent Page” and you can request an online, hassle-free quote from any of these local Insurance Providers, or search your city by clicking on the “Find Agent” button to find an Alabama Insurance agent near you.

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Alabama, AL

State Statistics

Population: 4,802,740

Change from 2010: +332,636

Capital: Montgomery

Auto Thefts: 11,081

Auto Accidents: 810

Auto Fatalities: 894

Accidents By Day of Week

Saturday: 179

Friday: 138

Sunday: 122

Wednesday: 106

Tuesday: 95

Monday: 92

Thursday: 84

Most Dangerous Roadways

I-65: Accidents 40

I-59: Accudents 22

US-SR 1: Accidents 22

US-SR 2: Accidents 18

US-SR 6: Accidents 14

AUTO INSURANCE COVERAGE TYPE

ALABAMA INSURANCE REQUIREMENTS

COMMON INSURANCE COVERAGE LEVELS

Bodily Injury Liability

Auto isnruance Covers Expenses due to injury or death of another driver or a pedestrian when the accident is your fault

$25,000 limit per person/$50,000 limit per accident

$100,000 limit per person/$300,000 limit per accident

Property Damage Liability

Auto insurance Covers Expenses due to damage of another person’s property. This includes damage to: Vehicles, Homes, building, etc. when the accident is your fault

$25,000 limit

50,000 limit

Uninsured/Underinsured Motorist

Auto insurance Covers Medical Expenses, if the other driver is at fault and does not have enough insurance.

Grouped with the uninsured motorist coverage

Grouped with the uninsured motorist coverage

Medical Payments

If you or any one in your vehicle are hurt in an Auto accident, this will cover your medical/funeral expenses

Not Required

$2,000 limit

Collision

Auto insurance Covers any expenses to repair or replace your vehicle that has been damaged.

Alabama Auto Insurance may also be known as GAP Insurance, Vehicle Insurance, or Motor Insurance, and is purchased to cover and provide financial protection for cars, trucks and motorcycles. Auto Insurance provides protection from Physical Damage, Bodily Injury, traffic Collisions, and varying degrees of liability. Car Insurance can also protect you against theft of the vehicle and potential damage incurred outside of traffic collisions.

Auto Insurance coverage varies from state to state and each state has specific rules and regulations for premiums. Subsequently, each city has varying degrees of differences regarding Auto Insurance policies. Other factors such as where you live, your driving record, the type of vehicle you own, previous accident claims, your credit score, age, and even your gender are taken into account when an Alabama Insurance Agent puts together your policy.

The following is a breakdown of all the types of insurance coverage:

-Collision: Covers the expenses related to the damage or destruction of your vehicle

-Comprehensive: Covers expenses related to the damage or destruction of your vehicle in situations like thefts or storms

-Liability: There are two types of liability coverage, they include Bodily injury liability and property damage liability. Simply put, this coverage is used when an accident is your fault. Bodily injury Liability involves and will cover any expenses related to the injury or death of another driver or a pedestrian. Property damage liability covers expenses related to the damage of another person's property like vehicles, homes, buildings, and other structures

-Medical Payments: If you or your passengers are hurt in an accident, this can help cover any medical or funeral expenses.

-Personal Injury Protection: If you or your passengers are hurt in an accident, this can help cover your medical expenses plus related expenses like income continuation.

-Uninsured and Underinsured Motorist: This coverage is for any medical expenses and or repairs if you are in an accident and the other drive is at fault, but they do not have any or enough insurance to cover the expenses.

-Personal Umbrella Policy: This offers protection against liability claims or judgments, kicking in when your auto insurance liability limits have already been reached.

-Rental Reimbursement: Helps cover the cost of any rental car if your vehicle is getting repairs.

-Sound System: The coverage of replacing any stolen or damaged audio equipment.

-Towing and Labor: Covers the cost of getting your car towed, or any common roadside services like a tire change or jump-starts.

Alabama General Insurance is a combination of a few different types of insurance. These Insurance types include Auto Insurance and Homeowners Insurance policies. General insurance is usually defined as any Insurance that falls outside of the category of Life Insurance.

Alabama Property Insurance otherwise known as Home Insurance protects your home and personal property from loss. It includes the coverage of medical payments in the event that there is an injury and someone gets hurt on your property and also helps protect your assets if you are deemed liable for the accident.

Property and casualty Insurance is a combination of the following:

-Homeowners Insurance

-Condo Insurance

-Manufactured Homeowners Insurance

-Renters Insurance

-Farms and ranches Insurance

-Small Business Insurance

Whether you own or rent your home in Alabama personal possessions are likely your biggest investment. By purchasing Property and Casualty Insurance you are protected from any risk that could happen. My BizHound is the easiest way to find a Local Homeowners Insurance agent in Alabama.

Health Insurance protects individuals from various illnesses or injury. Alabama Health Insurance Includes insurance from accidents, medical expenses, disability, or accidental death and dismemberment.

United States citzens must purchase health care premiums from private insurance companies. Different premiums provide different levels of protection in Alabama - to find the Health Insurance plan that best suits your needs please visit our Alabama Health Insurance Agents to contact an agent.

Alabama Life Insurance

Alabama Life Insurance provides financial security in the event of an unthinkable incident, in which you know your family will be covered for any expenses there may be. Some of these expenses could include the coverage of medical bills, funeral costs, mortgage or rent, college tuition and many other expenses you may have. By having a Alabama Life Insurance plan it gives you the peace of mind for knowing that regardless of what happens, your family is protected from these expenses through your coverage.

For more information about Alabama Life Insurance Coverage My BizHound helps you find an Insurance agent that is knowledgeable and willing to help you understand the benefits of having Life Insurance and to help you find the coverage that's right for you and your loved ones.

Commercial Insurance, also known as Business Insurance, helps protect you from liabilities involving your business.

If someone is hurt on the job - whether it be using a work-related tool, slipping and falling, etc. - it’s your responsibility as the business owner. For instance, work environments such as construction sites are an exceptionially risky operation due to the higher risk of falling objects, heavy machinery and lengthy labour hours. Other companies that require the use of a company vehicle should definitely purhase Commercial Auto Insurance. There are many types of Alabama Commercial Insurance Coverage Plans available and the right Alabama Insurance Agent can assist you with your choice. Many factors - such as the size of your company and the risks involved while on the job - will determine on what plan is right for you. The agents listed on My BizHound can help you find the right Coverage for your home or small business.

Alabama Bail Bonds Insurance is designed to protect individuals who purchase a bail bond. In most cases, the accused must attend all necessary court appearances and remain in compliance with their bail agreement. A Bail Bond Company provides commercial sale of bail bonds insurance to help individuals get back to their lives while they wait for their trial to come to a close.

My BizHound helps you find a Local Bail Bonds Insurance Agent in Alabama.